I know of a person who can't pay the bills and does not know how to budget money. He will get any credit card he can, max it to the limit and won't pay. He will be a car, make a couple payments, then it gets repocessed. The question I have is, who needs to get contacted when this guy is using his kids social and other information to get cell phones, utilities and so fourth because his credit is poor. These kids will grow up with horrible credit by the time they are 16 or so. They won't be able to get their own cell phone or a loan for a car if their parents are recking their credit now. Who needs to be notified of this? I just want to help these kids out before it is to late.